Syariah Financing in Indonesia Increased Throughout 2022

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Adi Ahdiat 10/01/2023 16:40 WIB

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According to OJK data, financing from sharia banks and sharia business units in Indonesia reached Rp470 trillion in August 2022, growing approximately 18% year-on-year.

Financing Value of Sharia Commercial Banks and Sharia Business Units in Indonesia (August 2021-August 2022)

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Syariah Financing in Indonesia Increased Throughout 2022

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Financing Value of Sharia Commercial Banks and Sharia Business Units in Indonesia (August 2021-August 2022)

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Financing from Islamic commercial banks and Islamic banking units in Indonesia continued to increase throughout 2022.

Islamic commercial banks operate based on Islamic principles. Islamic banking units are work units within conventional commercial banks that specifically conduct banking operations based on Sharia (Islamic law).

Several common types of contracts are used in Islamic financing: Murabahah, Mudharabah, and Ijarah.

Murabahah is a sale contract where the seller states the purchase price to the buyer, and the buyer pays a higher price including the seller's profit as agreed upon.

Mudharabah is a business partnership agreement between two parties. The first party (Shahib Mal) provides all the capital, and the second party (Mudharib) acts as the manager. Profits are then shared according to agreement.

Ijarah is a contract transferring the right to use an asset for a specific period in exchange for rental fees (Ujrah), without transferring ownership.

According to data from the Financial Services Authority (OJK), the total value of financing from all types of contracts from Islamic banks and Islamic banking units in Indonesia reached Rp470 trillion (approximately US$30 billion) in August 2022, a year-on-year (YoY) growth of 18.51%.

The trend showed consistent monthly increases during the January-August 2022 period, as shown in the graph above.

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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Syariah Financing in Indonesia Increased Throughout 2022

Syariah Financing in Indonesia Increased Throughout 2022

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